It started well with the loan officer. I sent everything they needed. Appeared everything was on track. A month in, they started asking for things I sent already. They asked for employment verification and contact numbers which were on top of the pay stubs that I had sent, twice. Spent 500 for appraisal and about another 200 or so in other fees and faxes and mailings. It is to the point where I am just going to get another mortgage company. If they suck this bad at this level, imagine the headaches that are to come. what User's recommendation: Don't do it.